B**W
发帖数: 2273 | 1 NEW YORK (CNNMoney) -- Mortgage rates sunk to record lows again this week.
The average rate on the 30-year fixed mortgage fell to 3.94%, matching the
all-time low hit in early October, according to Freddie Mac's weekly
mortgage rate survey. Meanwhile, 15-year fixed-rate loans hit a new record
low of 3.21%, surpassing the record set on October 6.
Five-year adjustable rate mortgages also plumbed new depths, hitting 2.86%
for the week.
"We've been hanging around record lows for a few months now and... 阅读全帖 |
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B**W
发帖数: 2273 | 2 The Securities and Exchange Commission has sued the former chief executives
of Fannie Mae and Freddie Mac, accusing them of misleading investors about
risks of subprime-mortgage loans.
WSJ law reporter Ashby Jones stops on Mean Street to discuss the SEC's suit
brought against former Fannie Mae and Freddie Mac chief executives.
The lawsuits, filed in Manhattan federal court, also accused four other
former executives at Freddie Mac and Fannie Mae of making false and
misleading statements about the... 阅读全帖 |
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l****z
发帖数: 29846 | 3 Pressure for a European Union plan to recapitalize Spanish banks intensified
Thursday after the Fitch Ratings agency lowered its investment-grade rating
on Spain by three notches, saying European policy missteps have aggravated
the country's economic and financial challenges.
Spanish Prime Minister Mariano Rajoy said his government would wait for the
completion of assessments of the country's banking sector before disclosing
an estimate of potential capital needs.
Meantime, key European leaders ... 阅读全帖 |
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l****z
发帖数: 29846 | 4 By: John Glover / Bloomberg News
Posted: 06/23/2012 3:57 PM | Comments: 0 (including replies)g
As in the lead-up to the Second World War, extremists are gaining new ground
as European countries are forced to adopt strict austerity measures not
unlike what happened in 1930s Germany.
LONDON — The spectre of the 1930s financial crisis that culminated in the
rise of Adolf Hitler’s Nazi party and the Second World War is stalking
Europe.
In May 1931, Creditanstalt, founded in Vienna by the Rothschild ... 阅读全帖 |
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n******e
发帖数: 43 | 5 One needs to think long run vs. short run. You when spent borrowed money
immediately, economy gets a short term boost, and the stock market tends to
respond positively. However government does not make money. Borrowing money
robs future generation to pay for current generation's consumption. The long
term damage takes time to kick in when when it is time to pay back debt. I
guess that is why two-term republican president does well for stock market
since it is difficult to justify borrowing and ... 阅读全帖 |
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l****z
发帖数: 29846 | 6 Durbin (Again) Denies Social Security’s Red Ink
by Eugene Kiely
Sen. Richard Durbin says that “Social Security does not add one penny to
our debt.” That’s false. It was wrong 21 months ago, when Durbin said it
once before, and it’s even more off the mark now.
The federal government for the first time in its history had to borrow money
in 2010 to cover Social Security benefits to retired and disabled workers
— a trend that worsened in 2011 and will not change at any point in the
future unless cha... 阅读全帖 |
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l****z
发帖数: 29846 | 7 Obama’s Now Borrowed More Than All Presidents from Washington to W
By Terence P. Jeffrey
November 30, 2012
(CNSNews.com) - The federal government has now borrowed more money during
Barack Obama’s time as president than it did in the period lasting from the
time President George Washington took the oath office until July 2, 2001,
more than five months into the first term of President George W. Bush.
At the close of business on Jan. 20, 2009, when President Barack Obama was
inaugurated, the nation... 阅读全帖 |
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l****z
发帖数: 29846 | 8 By Mark Felsenthal
WASHINGTON | Wed Dec 5, 2012 6:24am EST
(Reuters) - President Barack Obama will renew his case for tax hikes on
wealthy Americans to avert a year-end fiscal crunch and call for a smooth
increase in the nation's borrowing limit in a speech to a business group on
Wednesday, a White House official said.
The president is embarked on an aggressive campaign to pressure
congressional Republicans to compromise on steps to avoid the so-called
fiscal cliff. He will argue to corporate ex... 阅读全帖 |
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C****n
发帖数: 2324 | 9 No.
Obama just borrow money. Leave it to GOP yo balance the budget.
The stupid thing is: Most people (DEM and the 47%) does not care about the
deficit. As they won't be the one pay back anyway. Since they are not even
tax payer.
So, those people are happy to see Obama borrow more and more money.
The few responsible got really screwed up.
It's like you have a lazy brother at home. What you are gonna do, except
give him money all the time? And when you give him too less, he go out to
borrow money ... 阅读全帖 |
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l****z
发帖数: 29846 | 10 Obama's Balloon: Federal Student Loan Debt Up 517% in 5 Years
June 16, 2014 - 4:03 PM
By Ali Meyer
(CNSNews.com) -- Since President Barack Obama took office in January 2009,
the cumulative outstanding balance on federal direct student loans has
jumped 517.4 percent.
The balance owed as of the end of May was $739,641,000,000.00. That is an
increase of $619,838,000,000.00 from the balance that was owed as of the end
of January 2009, when it was $119,803,000,000.00, according to the Monthly
Treasur... 阅读全帖 |
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l****z
发帖数: 29846 | 11 Obama's Push to Expand Credit to "Credit Invisibles"
A recently released government study by the Consumer Financial Protection
Bureau on "Credit Invisibles" has some interesting facts on people with and
without credit histories.
Approximately 188.6 million Americans have credit records at one of the
NCRAs that can be scored by the commercially-available model. This
represents over 80 percent of the adult population.
An additional 19.4 million Americans, representing 8.3 percent of the
ad... 阅读全帖 |
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发帖数: 1 | 12 大家看Biden的剽窃。不是学一学别人讲话的构架，他竟然把他人的生活都剽成自己的
。Melania， Michelle的根本不是事。
http://www.slate.com/articles/news_and_politics/history_lesson/2008/08/the_write_stuff.html
What is certain is that Biden didn't simply borrow the sort of boilerplate
that counts as common currency in political discourse—phrases like "
fighting for working families." What he borrowed was Kinnock's life.
Biden lifted Kinnock's precise turns of phrase and his sequences of ideas—a
degree of plagiarism that would qualify any student ... 阅读全帖 |
|
发帖数: 1 | 13 没想到Biden剽窃的这么狠。不是学一学别人讲话的构架，他竟然把他人的生活都剽成
自己的。民主党的都这么爱撒谎。
http://www.slate.com/articles/news_and_politics/history_lesson/2008/08/the_write_stuff.html
What is certain is that Biden didn't simply borrow the sort of boilerplate
that counts as common currency in political discourse—phrases like "
fighting for working families." What he borrowed was Kinnock's life.
Biden lifted Kinnock's precise turns of phrase and his sequences of ideas—a
degree of plagiarism that would qualify any student for failur... 阅读全帖 |
|
c*****c
发帖数: 72 | 14 谢谢
是不是上online的traffic school是最好的选择？
我在网上查的说自己的保险可以step in as secondary coverage.
Since auto insurance follows the vehicle, if you’re driving a borrowed car
and get involved in an accident, the lender’s insurance policy will cover
the liabilities, your medical expense and the other vehicle’s damages. But,
if the lender has no insurance or his insurance is inadequate, then the
borrower’s insurance will step-in and cover all of the losses.
Any existing Auto Insurance policy on the borrowed car woul |
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w******l
发帖数: 319 | 15 看到一个dealer的网站上是这么描述APR的：
1.9% APR includes 36 monthly payments of $28.60 per $1000 borrowed.
1.9% APR includes 48 monthly payments of $21.65 per $1000 borrowed.
1.9% APR includes 60 monthly payments of $17.48 per $1000 borrowed.
请问这个$28.60, $21.65, $17.48是什么钱？是利息，还是利息之外的手续费？
谢谢！ |
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s**********y
发帖数: 145 | 16 买车的时候没有做关于finance的功课，不知道是不是中了trick.
刚上网了查了下，似乎算贷款利息有两种，网上看到如下描述：
Simple interest loan
With a simple interest loan, you owe the initial principal and the amount of
interest you owe depends on how long it takes you to borrow the money. If
you borrow $10,000 and a day later walk in and pay it all off, your interest
charges are almost nil.
Precomputed interest loan or simple add-on interest
On a precomputed interest loan, the total finance charge is determined at
the time of purchase and that is the... 阅读全帖 |
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I******s
发帖数: 319 | 17 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖 |
|
s****y
发帖数: 3416 | 18 I think you should break up with him, unless he realizes how weak he is.
I don't like guys who borrow money from girls or girlfriends. They are
losers.
But if they have to, they will have to try their very best to earn money or
use every dime carefully and meaningfully.
If not, they don't know what they are doing, and they don't know how to
appreciate others and takes things for granted.
My ex bf was like this before. He borrowed my money to pay back credit card.
The thing is, I should have real... 阅读全帖 |
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S******n
发帖数: 617 | 19 Ditto!
There are not enough "good" borrowers to support this "borrowing to
create GDP" model.
And the numbers of these good borrowers are shrinking by week. Look
at the continuing claims, ha! |
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W***i
发帖数: 833 | 20 Borrowers with good credit fuel foreclosures in 1Q
http://finance.yahoo.com/news/12-pct-are-behind-on-mortgage-apf-15370955.html
NEW YORK (AP) -- The mortgage crisis is spreading and hitting new heights:
Borrowers with good credit now make up the largest share of foreclosures as
job losses and pay cuts exact their toll.
"A record 12 percent of homeowners with a mortgage are behind on their
payments or in foreclosure as the housing crisis spreads to borrowers with
good credit. And the wave of for |
|
K****D
发帖数: 30533 | 21 Ok, I think it's just my personal bias then.
I never borrowed money in longer than several days term from
friends/relatives. I am also reluctant to lend money out.
In emergencies, I would rather borrow at 20% APR from a credit
card or bank than borrowing from a friend/relative (direct
relatives excluded). |
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K****D
发帖数: 30533 | 22 I don't have the data since I am very green to money market.
But considering every bank is forced to put 10% or so down
to Fed, it must have a huge pool ah. If Fed's own pocket is
deeper than that, it must own 10000 cash printers which work
24x7. Again all these could be completely wrong as my
understanding is just at wiki level.
The 2nd question, no, the typical situation should be like:
C borrows from JPM 10M today.
BAC borrows from JPM 10M tomorrow.
and C borrows from JPM another 10m later.
S |
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m*****u
发帖数: 1342 | 23 That's a very good point. Basically new companies can not borrow from banks
easily (because they don't have
much equity or collateral), they may be able to borrow at very high interest
rate, if it's possible. For mature
companies, like GE and MSFT, they can borrow relatively easily. I think look
it another way, the companies also
compare capital cost and choose the cheaper route. |
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h****d
发帖数: 358 | 24 Maybe I am wrong, but I would like to discuss about borrowing from 401k with
you.
I disagree with what you said. Yes, you are using post-tax money to pay back
401k loan. However, if you take the loan, you do not pay tax either.
Therefore, you use the borrowed "pre-tax" money and spend it as "post-tax" money. Your principal is NOT double taxed. However, I do agree that your
interests part is double tax. In my mind, when I consider whether I should
borrow from 401k or from bank, the math should be |
|
s********h
发帖数: 158 | 25 i watched part of that show. she didn't say that any state(s) would default,
only some towns, counties and cities would.
whitney might have been for the moment of fame and i am neither for or
against her. but here are some of my concerns about the munis (with data),
and i am all open if you can point out holes in my understanding. (in fact,
i've been reading various counter arguments from muni bond supporters trying
to ease my concerns.)
1) i agree with whitney on the non-transparency of the loc... 阅读全帖 |
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x****o
发帖数: 29677 | 26
这个文章有不准的地方吧
Must Repay Borrowed Cash Value – Although borrowing against the accumulated
cash value is convenient, you have to pay it back. What’s even more
inconvenient, the insurance company will also charge you interest. Also,
borrowing money on some universal policies may also reduce your death
benefit.
很多是不用pay it back的，直接从death benefit里减掉的啊，有公司policy
interest rate十年后基本上是0%，比如ING。当然很多policy都在变化，说不准什么时
候有个好的policy出来，过不了多久保险公司发现赔钱，又让policy马上过期 |
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g*****g
发帖数: 34805 | 27 说得不算很清楚，但我觉得LC破产的话，也只有1%的fee属于LC，其余的不属于LC。有
可能因为破产费用会增加，但应该不会血本无归。
http://kb.lendingclub.com/investor/articles/Investor/What-happe
What happens if Lending Club goes out of business?
When you invest in a Note, you are investing in an obligation of Lending
Club. Borrowers make payments on their loans to Lending Club, and in turn,
Lending Club distributes payments to investors in the Notes net of fees. If
Lending Club were to go out of business, investors may not receive the full
amount of payments... 阅读全帖 |
|
g*****g
发帖数: 34805 | 28 说得不算很清楚，但我觉得LC破产的话，也只有1%的fee属于LC，其余的不属于LC。有
可能因为破产费用会增加，但应该不会血本无归。
http://kb.lendingclub.com/investor/articles/Investor/What-happe
What happens if Lending Club goes out of business?
When you invest in a Note, you are investing in an obligation of Lending
Club. Borrowers make payments on their loans to Lending Club, and in turn,
Lending Club distributes payments to investors in the Notes net of fees. If
Lending Club were to go out of business, investors may not receive the full
amount of payments... 阅读全帖 |
|
I******s
发帖数: 319 | 29 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖 |
|
I******s
发帖数: 319 | 30 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad ra... 阅读全帖 |
|
I******s
发帖数: 319 | 31 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
。因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
职位： Loan Processor
本科及以上学历
工作地点： 休斯顿
需要有工作许可，公司可办理工作签证及绿卡
有意者请将简历及其它相关材料发送至: career(at)ivymtg.com
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad range of services continues to grow, along with
our client base, ... 阅读全帖 |
|
l******n
发帖数: 265 | 32 I have to share something. We just did refinance and learned there is no way
for the lender to accept borrowed money except from your parents (immediate
family). You can borrow from your 401K and lender doesn't consider the 401K
loan as liability.
We had a big lesson on this since it's so common for Chinese to borrow money
from relatives and friends to pay downpayment, but here, the mortgage
regulation clearly states NO unless from direct family memeber. |
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d******n
发帖数: 2712 | 33 title insurance是保证borrower的所有债务都disclose了，避免贷款风险。
比如，买房办了贷款之后，borrower又去办了个home equity line，这个债务在之前的
title中就show不出来，而如果不再做title search，ref之后本来的1st lien就很可能
变成2nd lien，这样1st lien的investor岂不面对很大的风险？银行借钱给borrower，
当然要优先保障自己的利益。 |
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b*d
发帖数: 9308 | 34 对，理论上这个叫Kick back。银行的人的想法是做一个Loan下来的所有费用当然是
Borrower出，Broker怎么能帮Borrower出这笔钱呢？如果Broker出的话，你们之间是不
是有什么猫腻在里面呢？
所以有的银行不允许Broker在Closing的时候Credit给Borrower。
另外你的利息非常好了，4.25%加上$2000的Cost是个不错的Deal。 |
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c**********e
发帖数: 1184 | 35 Fannie Mae对借贷人的身份要求很笼统，这里给大家抄录如下：
*************************************************************
Non–U.S. Citizen Borrower Eligibility Requirements
Fannie Mae purchases and securitizes mortgages made to non–U.S. citizens
who are lawful permanent or non-permanent residents of the United States
under the same terms that are available to U.S. citizens. Fannie Mae does
not specify the precise documentation the lender must obtain to verify that
a non–U.S. citizen borrower is legally present in the Uni... 阅读全帖 |
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j***b
发帖数: 5901 | 36 The expense of TLT is about .14 something, not 1%. And why do you worry about the 4% interest if you are looking at 10% done the lane? If you are so uncomfortable with paying interest, why do you think buying house at high interest rate is a good idea? wouldn't that mean that you will borrow at high interest? Shorting bond is also like borrowing, only it's at low interest. So it's funny you got all tensed up talking about borrowing at an interest of 4%, but at the same time talk about buying hou... 阅读全帖 |
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a****i
发帖数: 4783 | 37 I see, you totally missing the point from the very beginning.
买房子当然是要逆一般人而动，美国人买房子在乎的就是monthly payment，如果你掉
入这个彀中，随大流而动，你就是给银行送钱。(remember，中间人绝对不可以赚太多
的钱）。谁告诉你高利率的时候要还30年mortgage了？当然是低利率的时候存cash，高
利率的时候Cash买房，或者15年mortgage，或者30年，但是如果发现没有refinance机
会迅速拍出Cash止损。这就是事情的关键。
about the 4% interest if you are looking at 10% done the lane? If you are so
uncomfortable with paying interest, why do you think buying house at high
interest rate is a good idea? wouldn't that mean that you will borrow at
high ... 阅读全帖 |
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n*******9
发帖数: 3244 | 38 lz needs to borrow certain amount of mortgage in order to get that "no cost"
refi. even so, the usual way that the broker is doing now a days is that
the borrower pay up front and if it is closed, the broker/loan officer will
credit you back at closing. for case like this, the borrower need to pay for
the works have been done by some 3rd parties.
problem |
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d******n
发帖数: 2712 | 39 其实挺容易理解的，银行之所以借这么一大笔钱给borrower，是因为borrower拿自己的
房子做抵押。如果没有了这个抵押物，borrower就不再符合银行借出这么大笔钱的要求
。因此，有房子，有mortgage，没房子，就没mortgage。而且每个mortgage都是跟特定
的property相联系的，一般不可能把两个mortgage合到其中一个房产上，除非合起来之
后的loan amount不高于该抵押房产value的60%。 |
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c**********e
发帖数: 1184 | 40 美国上诉法院暂时中止了原定于今天4月1日生效的关于TILA Loan Officer
Compensation的联邦法规，并将于4月5日举行听证。这意味着为华人所钟爱的no cost
refinance仍然可以按以前的方式进行。
所谓的TILA Loan Officer Compensation Rule是指联邦储备委员会根据国会授权
制定的旨在改变贷款机构及经纪人经营模式的联邦法规。其主要内容是loan agent今后
的佣金不能和贷款条款挂钩，即不能随着客户所得的贷款利率高低来变化。而且loan
agent要不就从客户那里拿佣金（即borrower paid compensation），要不就从银行那
里拿佣金（即lender paid compensation），而不能同时从两方拿。
此法规实施后，对大家目前所熟悉的贷款申请模式会有一定的影响。比方说，如
果要再做no cost refinance的话，borrower将会先垫付一部分closing cost，然后在
贷款close之后，再由loan agent将其预先垫付的那部分返还。而以前的no ... 阅读全帖 |
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d******n
发帖数: 2712 | 41 从贷款角度说，一个人贷就足够了。
两个人贷款也没什么特别麻烦的地方，就是多pull一个credit而已。
不过，mortgage对credit成绩的提升大有好处，如果LZ想借此提高自己的credit score
的话还是可行的。
大部分一定要把自己名字写在co-borrower那里的，都是担心另外一方处理房子的时候
自己不知道。各州的规定可能不尽相同，以NJ为例，无论几个人贷款，title上都是夫
妻共有的。即便refi，在closing的时候，title上的夫妻双方都要在场，虽然不做
borrower可以少签一些文件，但是，绝对是知道对方对共有财产做过些什么的。因此，
不做borrower，一样可以保障自己的权益。不必过分担心。 |
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c******e
发帖数: 47 | 42 请问有没有贷款银行允许non borrower spouse使用power of attorney啊？
我们现在的情况是non borrower spouse在国内，短期内还来不了美国，title company
准备的
POA已经签好公证了，结果还有4天就要close的时候lender说他们不接受POA，原话是：
We do not allow split closings to be done. We need documents to be signed
either with POA (if acceptable) or both people need to be at closing. Per
our guidelines: We cannot accept POA for non borrower spouse.
这样的话我们就不得不换lender了。所以想请问一下大家，有没有哪家lender确定可以
用POA的阿？
我们想先了解清楚免得又是这样全部程序走完发现签不了字。。。
谢谢先！ |
|
d******n
发帖数: 2712 | 43 原因是primary 和 2nd home贷款有优惠，指利率方面。先用primary贷款，转头就租出
去，被定义为贷款欺诈。
Fannie Mae和Freddie Mac发现越来越多的borrower不够老实，于是一旦发现occupancy
有问题，就以此为由要求银行吧loan买回去，这样银行本身就有很大损失。银行当然不
愿意担风险了，于是就变成现在这个样子了。
老实说，银行想查borrower还是很方便的，银行对Fannie Mae和Freddie Mac没啥脾气
，对borrower还是很牛气的。 |
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c***o
发帖数: 131 | 44 今天Lender说他们不能准时提供Appraisal （3 days before closing），但会在
Closing前一到两天给我，要我签下面的Form。现在定的Closing Date是11/4。有人知
道我签了这个Form后有什么风险或问题吗？多谢！
Date:
Borrower:
Loan No:
Case No:
Property:
WAIVER OF ADVANCE DELIVERY OF APPRAISAL
Subject Property Address:
_______________________
Address
_______________________
City, State, Zip Code
By signing below, I waive the three (3) business day advance receipt of any
appraisal(s) concerning the subject property and agree to receive a copy of
the appraisal(s) at loan... 阅读全帖 |
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c********m
发帖数: 571 | 45 请问从HUD-1表里如何理解呢？里面有各种各样的charge,fee, 偶看了半天还是没搞清
楚那些东西。哪几个数目是关键？是不是这几项？
301：GROSS AMT DUE FROM BORROW
302: LESS AMTS PAID BY/FOR BORROW
303: CASH TO BORROW
最后，refinance agent给偶的refund check看到数目比偶预付的appraisal fee要少，
他也列了一计算公式得出的这个数目，所以偶就觉得有疑问，不知道为什么会少点？
谢谢！ |
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p******y
发帖数: 3523 | 46 不知道这种说法从何而来。因为即便从broker那里拿mortgage，这些mortgage最终的服
务商还是那些大银行，并且大部分mortgage都是卖给两房，做成bond，上市交易。
broker之所以能拿到好的rate，是因为属于大银行的批发渠道，而直接找银行属于银行
自己的零售。broker可以cover refi的cost因为broker操作起来简单些，很多大银行根
本不提供这个option。
一般新loan最好不要在最初4个月大笔还本，所谓大笔是比如30万的loan，一把还10万
这种的，或者干脆pay off。正常情况下，lender，就是那些大银行，会认为这种行为
有欺诈性质。也就是说borrower本不需要贷那么多款，多贷是为了换取更好的rate。另
外，如果pay off了，lender也会因怀疑broker靠频繁给客人refi赚取利益，而并非
borrower从refi中得益等等。因而，lender因borrower在4个月内大笔还款或是pay off
的行为，对broker做出惩罚。
只要不是想着做完loan马上就refi，找broker做没什么不好，问清楚rat... 阅读全帖 |
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S******6
发帖数: 3138 | 47 "The program would also eliminate some risk-based fees for borrowers."
但是主要还是针对那些水下和低信用的房主。
Fact or Fiction Number 2 - Obama's Plan for Foreclosures
"That's why I'm sending this Congress a plan that gives every responsible
homeowner the chance to save about $3,000 a year on their mortgage, by
refinancing at historically low interest rates. No more red tape. No more
runaround from the banks. A small fee on the largest financial institutions
will ensure that it won't add to the deficit, and will g... 阅读全帖 |
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c**********e
发帖数: 1184 | 48 买title insurance，主要是为了确保房子没有产权纠纷。Title Insurance通常有两种
，Owner's Policy及Lender's Policy。贷款买房时，会涉及到Owner Policy和Lender'
s Policy。而重新贷款时，则只涉及到Lender's Policy。
一、Owner's Policy - 投保金额是房子的买价（即sale price），保险金一般由卖方
来付。Owner’s Policy的Insured是买方，用来向买方保证卖方确实拥有待售房的产权
，同时也保证该待售房的没有任何隐藏的liens或claims，即保证待售房的产权“free
and clear”。只要将来买方一直拥有该房的所有权，Owner’s Policy就一直有效。保
金价格通常是根据地区及投保金额变动。
二、Lender's Policy - 投保金额是贷款额（即loan amount），一般由借款方即
Borrower来付。Lender’s Policy的Insured是Lender，用来向Lender (及将来该贷款
被转卖给的投资人) 保证买方是房子的... 阅读全帖 |
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b********2
发帖数: 5191 | 49 pre-approval letter有两种, 一种是broker给开的,这种不查收入和FICO,所以不能保证最终
一定能贷到款. 一般的buyer agent都会要求自己的client准备一份这样的letter, 因为有的
seller是不take没有pre-approval letter的offer. 一般regular sale认可这种letter.
另一种pre-approval letter是要根据borrower的财务状况给开的,要检查borrower的W2,tax
return,pay stub, bank statement, etc. 还要查credit score. 这种letter虽然做起来
比较麻烦,但是可以保证贷款基本可以做下来, 有的short sale和REO会要求后面的这种pre-
approval letter. 做这样的一个letter不难, 如果document齐全,一天之内就可以出示给
borrower. |
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p******y
发帖数: 3523 | 50 prepaid的项目本来就是borrower需要出的，不属于cost范畴。比如，prepay interest
，借了钱就得pay利息；在escrow帐户里的deposit，本来也是borrower的钱，还清贷款
之后还会退给borrower的。理论上，只要cover了$5500就OK了，那$100已经算是赚的了
。 |
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